Expensive collision insurance coverage for 2019 TourX

[Ktinca]

I have a 2019 TourX Essence. The collision coverage for my TourX is excessively expensive compared to my other cars. I have 4 cars under my policy and 4 drivers. It has nothing to do with the drivers as I changed it around to see if there are changes due to that. The liability portion is similar to the rest of our family cars.
Here is the cost for 6 months collision coverage under 21st Century at $500 deductible, and who is rated on it

$167 - '07 Honda Odyssey EXL (20 yo son)
$133 - '12 Acura TSX Wagon Tech (25 yo son)
$153 - '16 BMW X1 (50+ yo wife)
$504 - '19 Buick TourX Essence (50+ yo ME). So much more than the other cars.

Is your collision insurance that out of whack for the TourX??

My TOTAL policy cost for four cars for six months is $3103. (Los Angeles County, Calif)

Kevin

 

[L J]

I pay about $400 for total cost of policy for 6 months thru State Farm.

 

[2007LucerneCXL]

What was your insurance company reply as to the difference in cost?

 

[Ctrcbob]

I pay about $400 for total cost of policy for 6 months thru State Farm.

Ditto! (But of course, “I’m good driver” ).

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[Hinky]

I'm paying $225 for 6 months full coverage with progressive. $500 deductibles. I was blown away when they quoted me that. That's half of what I had been paying on the Audi I traded.

 

[1612202]

The retail value of a 2016 X1with 45,000 miles is less than 20k your Buick has a 40k sticker. My 2018 Tourx insurance costs almost the same as my 2017 Acadia. The yearly collision and liability cost for the Buick $501, 2018 Hyundai $494, Acadia $464 this is with a $500 deductible. Your difference is in direct relation to the value of the insured property. This is for Albany County New York.

 

[Lt0302]

226.64 full coverage with USAA on 2018 GS in AZ

 

[L J]

I'm paying $225 for 6 months full coverage with progressive. $500 deductibles. I was blown away when they quoted me that. That's half of what I had been paying on the Audi I traded.

Where is that Utah?

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[Hinky]

Where is that Utah?

New York!!!!!!! They asked a lot of questions about safety doodads so they may be giving discounts for that stuff, and Olean NY is probably closer to Utah for insurance purposes than NY, NY.

 

[SweetWafer]

$266 at Geico for 6 months in Maine, full coverage $500k liability. I was with Amica who had me renewing recently at $1300 a year, even more than the BMW I replaced with my TourX.

 

[carsrmilife]

Seeing most of these rates, just really makes me envious that I pay outrageous prices in Michigan lol.

 

[bollox74]

Living in the city in Minnesota comes with a bit of a premium too, I'm right at $1200 per year with high maximum payouts + glass + rental.
(MN is no-fault) I've got nothing on my record to trigger high rates either.
The cost only went up about $200 per year from my 12 Camry.

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[FavaBean]

Only collision ($500 ded) listed below:

USAA (6 mth)
$142 - '18 TourX
$128 - '15 Accord
$280 - '08 Camry (16 yr old)

@Ktinca - agreed... something seems out of whack.

 

[bollox74]

theses are every 6 months for the Essence TourX:

Just comprehensive with $500 ded/$0 glass ded = $251

Just collision w/500 ded =$168
+
PIP/Injury/Property = $187

 

[2007LucerneCXL]

Insurance carrier, state and city, listed driver's, credit score, ages and state type fault or no fault which somewhat makes this a moot point unless all the same. The OP needs to do his/her own comparison or as originally posted ask their own insurance company on the cost, which seems the OP hasn't responded. Might as well ask how much everyone is paying for gasoline, LOL.

 

[ECB]

Insurance carrier, state and city, listed driver's, credit score, ages and state type fault or no fault which somewhat makes this a moot point unless all the same. The OP needs to do his/her own comparison or as originally posted ask their own insurance company on the cost, which seems the OP hasn't responded. Might as well ask how much everyone is paying for gasoline, LOL.

$2.749 for 93 octane at Sam's Club in NH.

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[Tonesgto]

Man you guys pay nothing. I'm at 368 a month on 4 cars. South Florida has gotten crazy in the last 10 years with insurance rates.

 

[2007LucerneCXL]

$3.29 for regular Chicagoland area, basic street price. Like insurance kinda pointless unless someone wants to drive to Sam's Club in NH to fill up.

 

[BoostedRegal2.0]

I live in Illinois about 5 miles from the Wisconsin border but buy gas there since its much cheaper. The other day I paid $3.29 for premium and regular is around $2.69 a gallon. As for car insurance I pay $350 a month for 5 cars with full coverage and a $500 deductible.

 

[2007LucerneCXL]

And what do you pay on your 2018 or 2019 TourX?